Frequently asked questions

Three baseline criteria: your business must have been operating for at least 6 months, generate $15,000+ in monthly revenue, and the owner should have a credit score of 500 or higher. You'll also need a U.S.-based, for-profit business and a business bank account. Stronger financials unlock larger amounts and better rates, but meeting the basics is enough to get started.

The online application takes about five minutes. Most applicants receive a decision within 24–48 hours, and 95% of approved clients are funded within 48 hours — frequently the same or next business day. SBA loans are the exception; because they're government-backed, they typically take two to six weeks.

No. Applying involves a soft inquiry only, which never affects your credit score and isn't visible to other lenders. A hard credit pull happens only after you review an offer and decide to move forward — and only with your explicit consent.

We fund anywhere from $5,000 to $5,000,000. Your specific amount depends on the product, your monthly revenue, time in business, and overall financial health. As a general rule, many businesses qualify for funding equal to one to one-and-a-half months of revenue, and that capacity grows as you build history with us.

Rates and terms vary by product and your business profile. SBA and long-term loans carry our lowest rates with terms up to 25 years; short-term products and merchant cash advances cost more but fund fastest. Whatever you qualify for, you'll see the total cost, term, and payment amount clearly stated before you sign — no hidden fees, ever.

To start, you'll need a completed application and your three most recent business bank statements (or a secure read-only connection to your bank). Larger requests may also require recent tax returns, a profit-and-loss statement, or a balance sheet. Your advisor will tell you exactly what's needed up front — no surprise requests.

Most of our products are unsecured — no specific collateral required. Equipment financing is secured by the equipment itself, and factoring is secured by your invoices. A personal guarantee is standard for many small-business loans, and your advisor will be transparent about whether one applies to your offer before you commit.

Repayment is automatic via ACH and structured to fit the product. Term loans use fixed daily, weekly, or monthly payments; a line of credit bills on the balance you've drawn; and a merchant cash advance takes a small percentage of daily card sales, so payments flex with your revenue. We'll lay out the exact schedule before you sign.

For most term loans and lines of credit, there are no prepayment penalties — pay early and save on interest. A few products are priced with a fixed total cost; in those cases your advisor will explain any early-payoff terms clearly before you sign, so there are never surprises.

Often, yes. We look at the overall health of your business, not just a credit score. Products like merchant cash advances and invoice factoring weigh your revenue and your customers' creditworthiness more heavily than your personal score, so many owners with a 500+ score or a past bankruptcy still qualify.

Security is foundational. We use bank-grade 256-bit encryption for all data in transit and at rest, maintain SOC 2 Type II controls, and connect to your bank through read-only, tokenized links. We never sell your information, and we share it only as needed to process and service your funding.

Absolutely — it's the heart of what we do. 90% of our customers renew, and many become eligible for larger amounts and better rates after demonstrating a solid payment history. Renewals are typically faster to approve since we already know your business.